Ian McCartney: I will write to my hon. Friend, and my reply will be consistent with the answers that I have given him in recent discussion in the House and with other written replies.
	The administrators will report separately to the Secretary of State any findings of misconduct, and those findings will be considered alongside the report by the companies investigation branch. If he concludes that anyone is not a fit person to be a director, he may seek their disqualification for up to 15 years. Members should be aware that if a company is liquidated, and there is evidence of wrongful or fraudulent trading, the liquidator can ask the court to declare that those responsible should make a personal contribution towards the company's assets. That is important, given what my hon. Friend the Member for Livingston (Mr. Devine) said about the letters that have been sent by solicitors. Hon. Members should not advise people who can little afford legal advice—in fact, they can access it only if it is free—to spend money on such advice until the administrator and the companies investigation branch have completed their inquiries.
	As I have said before, I am not going to speculate on the reasons that Farepak failed, or on the culpability of its directors or any organisation associated with the collapse. If, as a result of the investigation, charges are brought, I would not want a clever lawyer to get someone off the hook because of any comments that I have made in the House or elsewhere. The Farepak victims deserve justice, and I would not want to be the person who denied them that. We will learn lessons from the collapse, and do what we can to ensure that something similar does not happen again. First, we will look at the regulatory framework. I have asked the Office of Fair Trading to work with the Financial Services Authority and my officials to look at the regulatory framework in which Farepak operated, and to consider options to address any issues that are raised. I expect to receive their preliminary views shortly.
	Secondly, we will look at the wider implications of the Farepak collapse. I will work with my hon. Friend the Economic Secretary to the Treasury, who has asked Brian Pomeroy, chairman of the Financial Inclusion Taskforce, to look at why people were using Farepak and other savings clubs, and whether their savings needs might not be better met by mainstream financial products and, indeed, the methods suggested by my hon. Friend the Member for North Swindon (Mr. Wills). I will contribute to the review, and the taskforce will report to my hon. Friend the Economic Secretary at about the time of the Budget. The investigators will produce a report on their inquiry. I can assure hon. Members that it will not take years, but it will take some time to ensure that there is a proper investigation, rather than a knee-jerk reaction.
	Finally, I thank my hon. Friend the Member for South Swindon for thanking me. The people we should be thanking are not those whom I have mentioned but the agents, who lost everything. They were victims, as they lost their business, hampers and perhaps even the friendship of others. In the past five weeks, they have worked without any pay or hope of getting any money back to deliver vouchers and, now, hampers. They are the real Father Christmases, not me. I thank hon. Members for saying so, but it is a bit of an embarrassment. All that we have done is to try to help a little in very difficult circumstances, and I want to thank everybody who helped to make a contribution. We have moved from phase 1, which is to help people. The second phase is to investigate—
	 The motion having been made after Seven o'clock, and the debate having continued for half an hour, Madam Deputy Speaker  adjourned the House without Question put, pursuant to the Standing Order.
	 Adjourned at two minutes to Eight o'clock.